Budget Planner 2027 for Irregular Income | Excel & Google Sheets Budget Spreadsheet for Freelancers | Savings Goals Tracker

Income that changes every month? This 2027 budget spreadsheet is built for freelancers, creators, contractors and anyone with irregular income. You can see where your money goes and smooth out slow months with the buffer method.

Why you'll love it

- The dashboard calculates everything: total income, expenses, net, savings rate, average monthly income and two charts

- Buffer method: all income goes into a buffer account and you pay yourself a fixed monthly salary. A status shows how many months your buffer lasts, and the sheet suggests a safe salary

- Budget vs. actual per category, with variance

- Savings goals with progress bars and the monthly amount needed to hit each target date

- Dropdowns for type and category, fully customisable categories (10 income, 20 expense)

- No macros, no subscription, currency-neutral number format

What's included

- Budget-Planner-2027-Irregular-Income_Example.xlsx (with sample data)

- Budget-Planner-2027-Irregular-Income_Blank.xlsx (ready to fill in)

- 6 sheets: Start, Dashboard, Categories, Transactions (1,000 rows), Buffer Method, Savings Goals

File format and compatibility

- Excel .xlsx (Excel 2016 or newer, Mac, Excel online)

- Google Sheets compatible: File → Import → Upload. Formulas, dropdowns and colour rules work there too

- Numbers and LibreOffice: usable, though charts may look slightly different

- Language: English

Note: this is a planning tool, not financial or tax advice.

Digital product: No physical item will be shipped. Colours may vary slightly depending on screen and printer.

Use: For personal use only; reselling or sharing the files is not permitted.

Download instantly and get started today!

Impressum: Daniel Gieske, Am Weißen Sande 2, 31535 Neustadt am Rübenberge, Deutschland, daniel.gieske@yahoo.de